Brunswick Bank and Trust Company in New Brunswick, New Jersey (NJ)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Brunswick Bank and Trust Company in New Brunswick, New Jersey (NJ)
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Brunswick Bank and Trust Company - Overview

  • General
  • FDIC Certificate #: 20220
    Status: Active
    Federal Reserve ID: 463203
    Bank Holding Company (Regulatory Top Holder): Brunswick Bancorp (RSSDID: 1136344, Location: New Brunswick, NJ)
    Date Established: July 27, 1970
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 7 (Domestic: 7, Interstate: No)
    FDIC's unique #: 13902
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: July 27, 1970
    Last Structure Change Effective Date: Febuary 15, 2012
    Last Structure Change Process Date: Febuary 15, 2012
    Last Data Update: Febuary 15, 2012
    Data Source Date: April 05, 2012
  • Location
  • Address: 439 Livingston Avenue, New Brunswick, NJ 8901
    County: Middlesex
    Quarterly Banking Profile Region: New York
    FDIC Geographic Region: New York
    FDIC Supervisory Region: New York
    FDIC Field Office: Jamesburg
    Office of the Comptroller the Currency (OCC) District: Northeast
    Office of Thrift Supervision Region: Northeast
    Metropolitan Statistical Area (MSA): Middlesex-Somerset-Hunterdon, NJ (#5015)
    Consolidated Metropolitan Statistical Area (CMSA): New York-Northern New Jersey-Long Island, NY-NJ-CT-PA (#70)
    Combined Statistical Area (CSA): New York-Newark-Bridgeport, NY-NJ-CT-PA (#408)
    Core Based Statistical Area (CBSA): New York-Northern New Jersey-Long Island, NY-NJ-PA (#35620)
    CBSA Metro Statistical Area: New York-Northern New Jersey-Long Island, NY-NJ-PA (#35620)
    Core Based Statistical Division: Edison-New Brunswick, NJ (#20764)
  • Financial Summary
  • Total assets: $140.0 mil
    Equity capital: $25.2 mil
    Deposits held in domestic offices: $114.4 mil
    Return on assets (ROA): -1.37% (-$1.9 mil)
    Quarterly return on assets: -6.92% (-$9.7 mil)
    Return on Equity (ROE): -6.57% (-$1.6 mil)
    Quarterly return on equity: -34.47% (-$8.6 mil)
    Net income: -$1.8 mil
    Quarterly Net income: -$2.3 mil
    Pretax return on assets: -2.07% (-$2,897.5 mil)
    Quarterly Pretax return on assets: -10.67% (-$14,935.3 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 43Total employees (full-time equivalent)
  • $139,975Total assets
  • $36,808Cash and due from depository institutions
  • $33,428Interest-bearing balances
  • $2,000Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $95,111Net loans & leases
  • $2,361Loan loss allowance
  • $0Trading account assets
  • $1,240Bank premises and fixed assets
  • $2,355Other real estate owned
  • $0Goodwill and other intangibles
  • $139,975Life insurance assets
  • $2,461All other assets
  • $114,781Total liabilities and capital
  • $114,414Total liabilities
  • $84,301Total deposits
  • $114,414Interest-bearing deposits
  • $72Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $367Subordinated debt
  • $25,194All other liabilities
  • $25,194Total equity capital
  • $25,194Total bank equity capital
  • $0Perpetual preferred stock
  • $1,129Common stock
  • $1,416Surplus
  • $22,649Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $8,914Income earned, not collected on loans
  • $0Earning assets
  • $421Long-term assets (5+ years)
  • $130,539Average Assets, year-to-date
  • $22,013Average Assets, quarterly
  • $128,524Volatile liabilities
  • $131,092Insider loans
  • $98,977FHLB advances
  • $144,391Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $24,722Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $7,231Restructured Loans and leases
  • $16,361Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $6,468Total interest income
  • $533Total interest expense
  • $5,935Net interest income
  • $2,929Provision for loan and lease losses
  • $731Total noninterest income
  • $0Fiduciary activities
  • $444Service charges on deposit accounts
  • $0Trading account gains & fees
  • $287Additional noninterest income
  • $6,402Total noninterest expense
  • $2,676Salaries and employee benefits
  • $1,378Premises and equipment expense
  • $2,348Additional noninterest expense
  • -$2,665Pre-tax net operating income
  • $0Securities gains (losses)
  • -$907Applicable income taxes
  • -$1,758Income before extraordinary items
  • $0Extraordinary gains - net
  • -$1,758Net income attributable to bank
  • $0Net charge-offs
  • -$1,758Cash dividends
  • $2,337Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.41%Yield on earning assets
  • 0.45%Cost of funding earning assets
  • 4.96%Net interest margin
  • 0.61%Noninterest income to earning assets
  • 5.35%Noninterest expense to earning assets
  • -1.37%Net operating income to assets
  • -1.37%Return on assets (ROA)
  • -2.07%Pretax return on assets
  • -6.57%Return on equity (ROE)
  • -6.57%Retained earnings to average equity (YTD only)
  • 2.49%Net charge-offs to loans
  • 125.33%Credit loss provision to net charge-offs
  • 0.11%Efficiency ratio
  • 96,040Assets per employee
  • 3.26%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.42%Loss allowance to noncurrent loans
  • 26.49%Noncurrent assets plus other real estate owned to assets
  • 8.05%Noncurrent loans to loans
  • 9.15%Net loans and leases to deposits
  • 83.13%Net loans and leases to core deposits
  • 90.25%Equity capital to assets
  • 18.00%Core capital (leverage) ratio
  • 17.12%Tier 1 risk-based capital ratio
  • 24.98%Total risk-based capital ratio
  • Memoranda
  • $26Average assets
  • $128,524Average earning assets
  • $26,756Average equity
  • $119,644Average loans

List of branches

  • 7 New Jersey Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    013902Brunswick Bank And Trust Company439 Livingston Avenue, New Brunswick, NJ 8901July 27, 1970Full Service Brick and Mortar
    27988New Brunswick Branch352 George Street, New Brunswick, NJ 8903March 17, 1902Full Service Brick and Mortar
    4250519South Brunswick BranchMonmouth Junction Road & Kingston La, South Brunswick Township, NJ 8852September 17, 1977Full Service Brick and Mortar
    5250520Freehold Township Branch444 West Main Street, Freehold Township, NJ 7728December 19, 1981Full Service Brick and Mortar
    7250522North Brunswick Branch1060 Aaron Road, North Brunswick, NJ 8902June 15, 1990Full Service Brick and Mortar
    9442626Monroe Township Branch249 Applegarth Road, Monroe Township, NJ 8831July 12, 2004Full Service Brick and Mortar
    10521313Englishtown Branch14 Main Street, Englishtown, NJ 7726August 16, 2010Full Service Brick and Mortar

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